One Vision fintech fuse

Theodora Lau

One Vision fintech fuse podcast, hosted by Theodora Lau, brings purposeful fintech innovation to spotlight. It is where impact meets innovation. One Vision is a convergence of minds that dream of a more equitable, inclusive, and sustainable world for future generations galvanized by innovation. The latest season, FinTech Fuse, brought to you by the powerhouse trio, Theodora Lau, Barb MacLean, and Stephanie Foster, continues the tradition of telling stories that matter. We speak to startup founders, investors, industry players, thought leaders and policy makers in the innovation ecosystem and get their views. While there have been a lot discussed about innovation in the western world, we believe that impact at scale can be achieved in the emerging markets too. In recent times we have seen several leap frog moments across the emerging world. What Alibaba and Tencent have achieved in China, PayTM in India and MPesa in Africa are great examples of impactful stories. We talk to many emerging market players and highlight their efforts to create such leap frog moments. We believe there are many innovation stories that have impact on people's life across the world. We identify these stories and talk to them about their journeys, successes and challenges they have had to overcome. In providing a stage for these entrepreneurs, thought leaders and innovators, we hope to inspire a generation looking to effect positive change. One Vision, One Dream, One Voice for One sustainable future. Hosted on Acast. See acast.com/privacy for more information.

  1. The Future of AI Agents and Agentic Commerce

    2D AGO

    The Future of AI Agents and Agentic Commerce

    Are we moving too fast in the world of agentic commerce — a new paradigm in online shopping where AI agents act on behalf of consumers, facilitating transactions and product discovery? Unlike traditional e-commerce, where consumers interact directly with platforms, agentic commerce leverages advanced technologies to streamline the purchasing process. In this episode of One Vision — FinTech Fuse, we dive deep into the rapidly shifting landscape of agentic commerce and the alphabet soup. With the technology landscape changing at an unprecedented pace, we explore the challenges and opportunities that arise in the new world. Joining us in the discussion are industry experts, Dr. Efi Pylarinou and Jas Shah, who offer their insights on the rise of different protocols like ACP and UCP, identity verification, and the importance of a level-playing field in the future of commerce. What’s your take on this fast-paced evolution? Let’s keep the conversation going! #FinTech #AI #AgenticCommerce #AIAgents 00:00 Welcome and Setup: The Agentic Commerce Alphabet Soup 02:53 The Reality: Are We Moving Too Fast? 07:35 Who Writes The Rules?  10:03 Which Protocol Will Win? 16:20 Staying Visible: Banks Brand in Bot Era 21:04 Trust Data and Curation 25:44 The Economics and Gatekeepers 33:57 Predictions: Who Will Emerge as The Likely Winner 41:56 What Banks Should Do Next Hot take: The real battle is about protocols, not models. Hot take: The future belongs to those who can optimize for AI. Keywords  AI, agentic AI, commerce protocols, fintech, banking, digital transformation, identity, trust, UCP, ACP More about our guests  🌐Dr. Efi Pylarinou on LinkedIn: https://www.linkedin.com/in/efipylarinou/  🌐Jas Shah on LinkedIn: https://www.linkedin.com/in/jas-shah/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  Hosted on Acast. See acast.com/privacy for more information.

    45 min
  2. Unpacking the road to agentic commerce — Exploring risk, governance, and consumer protection

    FEB 23

    Unpacking the road to agentic commerce — Exploring risk, governance, and consumer protection

    In this episode of One Vision — FinTech Fuse podcast, Theodora Lau and Jas Randhawa discuss the Universal Commerce Protocol (UCP) and implications for agentic commerce. They explore the challenges of chargebacks, the need for regulatory clarity, and the importance of consumer independence in the evolving landscape of e-commerce. While adoption is likely to grow, major risks include consumer manipulation, monopolistic outcomes, and the amount of personal data agents may require (buying, browsing, health, and other patterns), increasing privacy and security concerns. Now is the time to engage with policymakers and advocate for regulatory clarity and for the well-being of consumers.  00:00 Welcome Back to One Vision + Introducing Jas Randhawa (StrategyBRIX) 01:10 What Is the Universal Commerce Protocol (UCP)? The Big Picture 03:27 How UCP Works: Product Cataloging for AI Shopping Agents 07:05 KYA (Know Your Agent): Identity, Authorization & Trust 08:58 Chargebacks in Agentic Commerce: Who’s Liable When Things Go Wrong? 12:02 Fraud Detection Breaks: Geolocation, New Signals & Re-Engineering Controls 13:44 Agent Independence & Consumer Protection: Bias, Collusion, and Oversight Gaps 21:28 Regulatory Clarity (or Lack Thereof): The ‘Wild West’ Phase + T&Cs Reality 28:06 Time to Get Ready: Travel Use Cases, Audit Trails, and Dispute Proof 33:26 Sanctions, VPNs, and High-Velocity Agent Behavior: Financial Crime Risks 37:12 Are We Too Early? Will Consumers Adopt—and at What Cost? 42:59 Privacy, Data Control & The Need for Neutral Standards Bodies (Wrap-Up) 47:45 Final Thoughts #AI #AgenticCommerce #UCP #Agents #Fintech  Hot take:  ”The amount of information this agent now needs to have about me is shocking and it scares me a little bit because you're talking about buying patterns, browsing patterns, sleeping patterns, health pattern. For this agent to be really effective, it just needs to know everything that's in my head, right? It's gonna be very effective, but that's again, a major risk because no one's watching out for the consumer.” Hot take: “ The future of this world is unfortunately not you or me. It's a lot of these younger kids, their ecosystem is a lot different. These products are being designed for them.” More about our guest  🌐Jas Randhawa on LinkedIn: https://www.linkedin.com/in/randhawajas/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  **   Hosted on Acast. See acast.com/privacy for more information.

    48 min
  3. Exploring AI in Asia and the future of consulting

    FEB 7

    Exploring AI in Asia and the future of consulting

    Dive into the future of wealth with AI in Asia! 🌏🚀 Join Theodora Lau on the latest episode of One Vision podcast as she chats with Yves Roesti, Managing Partner & CEO Synpulse Group, about how AI is transforming the industry across APAC. From cultural nuances to regulatory challenges, they explore the intricate balance of human touch and technology, the unique challenges and opportunities in the region, the vision behind OpenWealth Association, and how AI impacts the future of consulting and wealthtech.  📍Hot take:“I actually think that junior consultants are uniquely positioned to be supercharged by the AI movement. The question to ask is, what skills do you need to have, in order to thrive in an AI-enabled world?  Being resilient, being creative, asking the right questions, being curious, and having empathy and having interpersonal skills.”  Episode highlights   00:00 - Introduction and Welcome 02:21 - AI Trends in APAC vs. US 11:56 - OpenWealth Association 18:00 - Future of Consulting with AI 24:11 - Contrarian Views on AI  30:58 - Concluding Thoughts #AI #Fintech #WealthTech #Asia  More about our guest  🌐Yves Roesti on LinkedIn: https://www.linkedin.com/in/yves-roesti/  More about our host and One Vision Podcast  🌐Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🌐Banking on (Artificial) Intelligence (book): https://www.bankingonaibook.com/  🌐Unconventional Ventures (company): https://www.unconventionalventures.com/  🌐Listen to all One Vision Podcast episodes by visiting: https://shows.acast.com/one-vision  ** Hosted on Acast. See acast.com/privacy for more information.

    32 min
  4. At the inflection point of AI and bank modernization

    JAN 26

    At the inflection point of AI and bank modernization

    🌟 New episode alert! One Vision — FinTech Fuse is back with a power-packed conversation with Jody Bhagat, North America President at Engine by Starling. We talk about the critical role of technology in transforming banking operations and delivering exceptional customer experiences. Whether you're grappling with legacy systems or eyeing the cutting-edge of AI, Jody's insights offer valuable guidance on modernization strategies and the transformative potential of technology. Check out this engaging discussion to learn how this dynamic industry can be both vital and cool!  00:00 Introduction and Guest Welcome 01:39 Understanding Engine by Starling 04:43 Challenges and Opportunities in the US Market 06:13 The Importance of Modern Technology in Banking 13:58 AI and Its Impact on Banking 21:38 Strategies for Bank Transformation 26:31 Looking Ahead: The Future of Banking 29:46 Conclusion and Farewell 📍 Hot take: Most banks and credit unions are spending 70 to 80% of their IT spend just on maintaining their legacy core, and it's providing little or no differentiation. #DigitalTransformation #AI #FinTech  Find Jody Bhagat on LinkedIn: https://www.linkedin.com/in/digitalbusinessgrower/  Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/  🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/  🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/  Hosted on Acast. See acast.com/privacy for more information.

    30 min

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4.9
out of 5
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About

One Vision fintech fuse podcast, hosted by Theodora Lau, brings purposeful fintech innovation to spotlight. It is where impact meets innovation. One Vision is a convergence of minds that dream of a more equitable, inclusive, and sustainable world for future generations galvanized by innovation. The latest season, FinTech Fuse, brought to you by the powerhouse trio, Theodora Lau, Barb MacLean, and Stephanie Foster, continues the tradition of telling stories that matter. We speak to startup founders, investors, industry players, thought leaders and policy makers in the innovation ecosystem and get their views. While there have been a lot discussed about innovation in the western world, we believe that impact at scale can be achieved in the emerging markets too. In recent times we have seen several leap frog moments across the emerging world. What Alibaba and Tencent have achieved in China, PayTM in India and MPesa in Africa are great examples of impactful stories. We talk to many emerging market players and highlight their efforts to create such leap frog moments. We believe there are many innovation stories that have impact on people's life across the world. We identify these stories and talk to them about their journeys, successes and challenges they have had to overcome. In providing a stage for these entrepreneurs, thought leaders and innovators, we hope to inspire a generation looking to effect positive change. One Vision, One Dream, One Voice for One sustainable future. Hosted on Acast. See acast.com/privacy for more information.